404 Gay Rd, Aptos, CA 95003 Property Records

Santa Cruz County property record for 404 Gay Rd, Aptos, CA 95003

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,900 sqft · built 1970
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$1,280,000 (Aug 2021)
Tax Bill	$16,966 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`044-213-46`

Property Details

APN / Parcel Number

Primary APN	`044-213-46`
Alternative APN	`044-213-46-000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,900 sqft Living Area
Gross Area	2,384 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1995
Construction Type	Wood
Roof Material	Other
Lot Area	6,970 sqft (0.16 acres)
Terrain	Steep
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	385 sqft
Patio Area	385 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	404 GAY RD
City	APTOS
State	CA
Zip	95003-5220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1-5
Legal Description	BLK 24 LOT 2
Legal Subdivision	APTOS BEACH CC PROP
Legal Block	24
Legal Lot Number	2
Jurisdiction	SANTA CRUZ CA
Township / Civil Division	SANTA CRUZ
Census Block Group	1
Census Block	1007
Census Tract	122203

Owner

404 Gay Rd is owned and occupied by an individual who bought it in August 2021.

Source: Santa Cruz County records, as of August 19, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	404 GAY RD, APTOS, CA 95003-5220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2021 · Amount on File
Deed Sale	Aug 12, 2021 · Amount on File
Prior Sale	Dec 16, 1997 · Amount on File
Deed Document Number	202142267
Prior Transfer Date	Apr 30, 1997
Prior Transfer Doc	0000020182
Record Updated	Oct 29, 2026

August 2021: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SANTA CRUZ CA
Recording Date	Aug 12, 2021
Property Address	404 GAY RD, APTOS, CA 95003-5220
Document Number	0000042267
Map Reference	MB 23 PG 1
Instrument Date	Aug 6, 2021
Instrument	2021-0042267
Transaction Type	Transfer
Record Updated	Aug 26, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 GAY RD, APTOS, CA 95003-5220

Mortgage

Document Number	0000042268
Date	Aug 12, 2021
Instrument	2021-0042268

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 404 Gay Rd was $16,966.

Source: Santa Cruz County assessment roll, as of August 19, 2026

Property Jurisdictions

Type	Name
State	California
County	Santa Cruz County
Unified School District	Pajaro Valley Joint Unified School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,385,513 (+2%) Land $969,859 Building $415,654
2025	$16,966.00	$1,358,346 Land $950,842 Building $407,504
2023	$15,464.00 (+2.07%)	$1,305,600 Land $913,920 Building $391,680	$1,303,290
2022	$15,151.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 404 Gay Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 10, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 404 Gay Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 88% of California
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SOQUEL CREEK WATER DISTRICT serves 40,962 people · EPA ID CA4410017
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2023
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 511 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Surfnet Communications Fixed Wireless	100 / 20

May also be available: Cruzio, Etheric Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Gay Rd

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